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MVBF stock logo

MVBF

MVB Financial Corp.

$29.93
-0.02
 (-0.07%)
Exchange:  NASDAQ
Market Cap:  384.598M
Shares Outstanding:  1.423M
Delayed data
Calculate MVBF Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Larry F. Mazza
Full Time Employees:  403
Address: 
301 Virginia Avenue
Fairmont
WV
26554
US
Website:  https://www.mvbbanking.com
MVB Financial Corp. operates as a financial holding company, delivering a comprehensive suite of financial services to both individual consumers and corporate clients. The company serves customers across the Mid-Atlantic region and extends its reach internationally. Its operations are structured into three primary divisions: CoRe Banking, Mortgage Banking, and Financial Holding Company. Within its core banking offerings, MVB provides a variety of deposit accounts, including checking, savings, money market, and certificates of deposit. The company also extends credit solutions, such as commercial, consumer, and real estate mortgage loans, alongside various lines of credit. An array of supplementary banking services includes debit cards, cashier’s checks, safe deposit box rentals, and non-deposit investment options. Notably, it also specializes in financial technology (Fintech) banking services. Beyond traditional banking, MVB Financial Corp. offers title insurance. It further provides an integrated range of services encompassing regulatory compliance, state licensing, financial crime prevention, and enterprise risk management; these solutions cover consulting, outsourcing, testing, and training. Moreover, the firm delivers customizable fraud prevention services designed for merchants, credit agencies, Fintech companies, and other vendors. It also engages in consulting for the development of online and mobile banking platforms and digital products for Fintech entities, concurrently undertaking software development projects. As of December 31, 2021, MVB maintained a physical presence with eight full-service branches, comprising six in West Virginia and two in Virginia. Established in 1997, the company’s headquarters are situated in Fairmont, West Virginia.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue213,018227,334270,443
Gross Profit148,404147,149193,791
EBITDA32,29730,27539,449
Operating Income27,29426,34436,850
Net Income31,23220,09126,940

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,313,8823,128,7043,308,918
Total Liabilities3,024,5402,822,9132,974,950
Total Stockholders Equity289,384305,679333,968
Total Debt85,14776,546103,493
Cash and Cash Equivalents398,229317,913244,125

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow29,312-2854,028
Capital Expenditure-1,915-1,620-1,914.999
Free Cash Flow27,397-1,9052,113
Net Income22,45020,24526,940
Net Change in Cash357,949-80,316-73,788

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)174,431.959Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)177,325.253Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)175,733.233Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)35,914.974Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)36,510.694Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)36,182.902Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)32,677.046Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)33,199.956Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)33,022.669Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)63,518.747Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)64,572.329Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)63,992.601Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)2.510Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)2.530Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.490Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
214.387M  ?P/S
 (TTM)
: 
1.79
?Net Income
 (TTM)
: 
20.091M  ?P/E
 (TTM)
: 
10
?Enterprise Value
 (TTM)
: 
137.107M  ?EV/FCF
 (TTM)
: 
-3.65
?Dividend Yield
 (TTM)
: 
2.23%  ?Payout Ratio
 (TTM)
: 
22.29%
?ROE
 (TTM)
: 
11.57%  ?ROIC
 (TTM)
: 
1.09%
?Net Debt
 (TTM)
: 
96.747M  ?Debt/Equity
 (TTM)
: 
0.17
?P/B
 (TTM)
: 
1.14  ?Current Ratio
 (TTM)
: 
84.28

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
15.04Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about MVBF valuation

Is MVB Financial Corp. (MVBF) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for MVB Financial Corp. (MVBF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is MVBF a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MVBF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is MVBF’s P/E ratio?

You can see MVBF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for MVBF?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is MVBF a good long-term investment?

Whether MVBF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

MVBF

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.07
MARKETSnap

Trading Metrics:

Open: 29.78   Previous Close: 29.95
Day Low: 29.11   Day High: 30.1
Year Low: 23.58   Year High: 31.99
Price Avg 50: 29.48   Price Avg 200: 27.32
Volume: 18331   Average Volume: 46902

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See in Nexus

Relevant news

MVB Financial Corp. Declares Third Quarter 2026 Dividend
19-08-2026 16:30
MVB Financial Corp. Declares Third Quarter 2026 Dividend
MVB Bank Selects Bretton AI to Run Its Back-Office Operations as It Scales Its Fintech Business
06-08-2026 13:36
MVB Bank Selects Bretton AI to Run Its Back-Office Operations as It Scales Its Fintech Business
MVB Financial (MVBF) Misses Q2 Earnings Estimates
28-07-2026 18:10
MVB Financial (MVBF) Misses Q2 Earnings Estimates
Mvb Financial Q2 Earnings Call Highlights
28-07-2026 18:07
Mvb Financial Q2 Earnings Call Highlights
M&G Financial and BT Valuation Announce Strategic Combination to Expand Middle-Market Advisory Platform
23-06-2026 12:51
M&G Financial and BT Valuation Announce Strategic Combination to Expand Middle-Market Advisory Platform
MVB Financial Corp. Declares Second Quarter 2026 Dividend
20-05-2026 16:30
MVB Financial Corp. Declares Second Quarter 2026 Dividend

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